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Thread: Starting Out

  1. 01-16-2011, 10:59 PM #1
    YellowSublimaze
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    Default Starting Out

    What a great site! Am very happy to find a place that also includes Dave Ramsey enthusiasts.

    A friend of mine turned me on to Dave Ramsey just before Christmas. I had been working on debt reduction for a while but had kind of stalled out, looking for the next step. I had paid off all our credit cards (we have several) but have kept them on hand thinking I needed them for credit scores and 'just in case'.

    To heck with credit cards...I closed all but one (it's a local credit union card, I'm not quite ready to give up the heroin). One I closed I have had for over 20 years. The credit card company even asked "are you SURE you want to close this card??!?!?!". Yep, close it down! What a great feeling.

    Anyway, I have a non-federal student loan, two car loans, a boat loan, and a consolidated federal student loan. I'll be selling an ATV this next month, paying of one of the cars, then working on the non-federal student loan. That should get me to maybe May. Then, pay down the boat that's (not literally) underwater, sell it, pay off the expensive car (maybe sell it for a beater) then plow through the 90k student loan.

    It's great to start a new year with a plan!
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  2. 01-17-2011, 01:01 AM #2
    August29th
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    Well, YellowSub, this is the place. I'd never even heard of David Ramsey but from hanging around here for just a short time, I'm already following him step by step.

    This place is ab fab and I'm sooooo glad I found it. You're going to love it here.

    (and I think I'm about to take off the "I'm a newbie here" from my signature. pretty soon)
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  3. 01-17-2011, 07:58 AM #3
    Ceashels
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    Welcome to the Village! Sounds like you have the good plan in the making !!!
    The Free Spirit Saver who walks the path with Greebo.

    Onboard with a modified Dave Ramsey Plan
    Budget: "Every month! On paper, on purpose!"


    Gardening somewhere between Zone 6b and 7a.
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  4. 01-17-2011, 08:20 AM #4
    Greebo
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    Welcome aboard!
    If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.

    Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"

    Greebo    (Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
     WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!

    Three     Two mortgages, two one no car loans, one no credit cards, and a partridge in pear tree!
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  5. 01-17-2011, 09:22 AM #5
    sjohnson3278
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    Welcome! You will find so many helpful people and ideas here. Sounds like you are off to a great start already!
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  6. 01-17-2011, 10:48 AM #6
    khaski
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    Welcome, glad to have another DR fan, and good luck with your plans!


    May:
    Coupon/drug store rewards:$15
    $ Spent accumulating coupons: $5.99

    YTD totals:
    Coupons/drug store rewards: $759.04
    $ spent getting coupons:$92.70
    2011 total savings:$2068.18 2010:$1066.58

    Meatless dinner: 13/52
    Weight loss challenge:1.4/35
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  7. 01-17-2011, 11:08 AM #7
    HappyMama
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    Welcome aboard!
    *Angel*

    Dave R. Plan
    Step one - Done
    Step two-Done
    Step three-Done
    Step four-Done
    Step five- Working on
    Step six- almost done
    Living debt free except the mortgage and working on that !!!

    Be content with what you have;
    Rejoice in the way things are,
    When you realise there is nothing lacking,
    the whole world belongs to you.

    -Lao Tzu

    Have Courage
    “Whatever course you decide upon, there is always someone to tell you that you are wrong. There are always difficulties arising which tempt you to believe that your critics are right. To map out a course of action and follow it to an end requires…courage.” Ralph Waldo Emerson

    "I've learned that you shouldn't go through life with a catcher's mitt on both hands; you need to be able to throw some things back..." Maya Angelou

    "Choose a job you love and you will never work a day in your life." (Confucius 551-478 BC)
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  8. 01-17-2011, 11:15 AM #8
    Mom2-3
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    Welcome!!!
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  9. 01-17-2011, 12:11 PM #9
    bumplett
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    Welcome!!

    I hope you find everything you are looking for & more!
    Don't Breed or Buy While Shelter Pets Die

    married 16 yrs to my
    mom to big J (15)
    mom to little j (8)
    Zena Cherry Sara Knat Lucky Chianti Abby Alice Jasper
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  10. 01-17-2011, 01:14 PM #10
    mcsestretch
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    Welcome and thanks for joining!

    Keep fighting the fight. You've taken the first step toward reaching your goal!
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  11. 01-17-2011, 04:56 PM #11
    piney
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    Welcome from Ark.
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  12. 01-17-2011, 05:03 PM #12
    ilovechocolate
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    Hi and welcome to the Village. You'll learn lots!
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  13. 01-17-2011, 07:48 PM #13
    YellowSublimaze
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    Thank you all for the kind replies.

    Not only am I a new recent convert/zealot to the DR plan, I am also excited by lot of other ideas I find here. I've always been a do-it-yourselfer. I have read lots of the old Foxfire books and books like those that describe how to accomplish things without resorting to all the modern methods, mostly because it's fun to do things on your own.

    Again, thanks, and I'll be lurking around.
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  14. 01-17-2011, 08:21 PM #14
    Trishagirl
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    I wish you much success in your endeavors here.
    Loving Wife to Ken 27 yrs & 3 sons
    My furbabies Tigger /Sparky paw:Jack Russel,Beagle,Dashaund mix.
    Change jar ?
    Total Grocery savings 2010~$548.99
    Sewing Challenge 2/2
    2011 Clean & Organized Home Challenge
    Do Anything Daily challenge
    Menu Planning Challenge
    Annual Food Saving~$448.18



    Seek ye First the kingdom of God and his righteousness.... Matt 6:33
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